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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,117 | $93,598-29.4% | $135,974-51.4% | $75,173-12.0% |
| Participation rate | 73.2% | 75.2%-2.0pp | 81.9%-8.7pp | 67.2%+6.0pp |
| Annual return | 23.14% | 30.89%-7.8pp | 68.30%-45.2pp | 160.72%-137.6pp |
| Employer contribution / active EE | $3,394 | $3,538-4.1% | $4,859-30.2% | $2,671+27.1% |
| Participant deferral / active EE | $7,678 | $6,405+19.9% | $7,760-1.1% | $4,126+86.1% |
| Admin fee / account holder | $4,589 | $6,978-34.2% | $10,767-57.4% | $5,651-18.8% |